In the UAE, one of the most popular financial products has always been personal loans. However, thousands of locals in 2025, particularly employees with lower pay, are looking for one major solution:

“Is there a personal loan in the United Arab Emirates that doesn’t require a minimum salary?”

This guide explains everything in detail, including eligibility, documentation, alternatives, and loan options for low-income earners, whether you’re searching for a UAE personal loan with no minimum salary or learning about the new UAE personal loan regulations.

What Has Changed? UAE Personal Loan Regulations 2025: A Clear Explanation

The UAE Central Bank has made a number of changes in recent years to guarantee responsible lending and residents’ financial security. Lenders still adhere to these tenets in 2025:

• Verified income (WPS or official proof) must be the basis for loans.
• Repayments are limited to 50% of your monthly income.
• Prior to approval, banks must verify the credit score (AECB).
• Borrowers need to have a reliable source of income or a steady job.
• Nevertheless, there isn’t a single federal law that establishes a minimum wage.

Although each bank has its own minimum requirement, which is typically between AED 3,000 and AED 5,000, some financial institutions provide products under specific categories for workers with lower incomes.

Is There a Personal Loan in the UAE Without a Minimum Salary?

Not exactly – but there are alternatives.

Generally speaking, banks won’t grant loans without salary requirements, but lenders might provide:

1. Low-Income Loans (less than AED 3,000–4,000)

Some lenders offer low-income personal loan packages in the UAE to workers who make little money, particularly:

• Workers in construction
• Security personnel
• Housekeeping personnel
• Drivers of deliveries
• Workers in labor

2. Loans Without a Salary Certificate

Some organizations accept the following if your employer does not provide salary certificates:

• Transfer of WPS salary
• Three to six months’ worth of bank statements
• Contract of labor
• letter of employment

This falls under the category of UAE loans without salary certificates.

3. Microloans and Salary Advance Loans

These are short-term loans (AED 500–5,000) that are perfect for employees in need of emergency cash.

4. Cash loans from credit cards

Certain banks provide immediate cash based on credit card limits without requiring a salary certificate.

Low Salary Loan Eligibility in the United Arab Emirates 2025

You may still be eligible even if your income is low, depending on: • Your Salary (in certain situations, even AED 2,000–3,000 may qualify).

• Lower WPS entries are accepted by certain exchange houses and microfinance organizations.
• Repayment of WPS Loans UAE Requirement: Because income is verifiable, workers paid through WPS receive simpler approvals.

• Employment Type Prolonged employment for more than six months increases the likelihood of approval.
• Credit Score (AECB): A higher score makes getting a loan easier.

• Current Debt Your Debt Burden Ratio (DBR) needs to be less than 50%..

Top Financial Organizations Providing Personal Loans with No Minimum Salary or Low Income (2025)

1. Microfinance Companies

• Low salary accepted
• Flexible documents
• Small loan sizes

2. Exchange Houses

Some offer salary advance loans based on WPS records.

3. Islamic Finance Institutions

Often have flexible rules for low-income workers.

4. Digital-only Lending Apps

Fintech companies offer microloans or cash advances.

Documents Needed in the UAE to Apply for a Personal Loan (2025)

Even for low-income loans, you may need:

• Emirates ID
• Passport & visa copy
• 3–6 months bank statement
• WPS record / Salary slip
• Employment contract
• Credit report (AECB)

How to Apply for a Personal Loan in the United Arab Emirates in 2025 (Step-by-Step)

1. Check your salary & eligibility
2. Compare banks & finance companies
3. Prepare documents (WPS, Emirates ID, bank statements)
4. Submit application online or in branch
5. Wait for verification
6. Receive approval & sign contract
7. Loan amount gets credited

Benefits and Drawbacks of Low-Salary Personal Loans

Benefits

• Accessible for low-income workers
• Quick approval
• No salary certificate required in some cases
• Suitable for emergencies 

Drawbacks

• Higher interest/profit rates
• Lower loan limits
• Stricter repayment terms

Tips to Increase Approval Chance (Even With Low Salary)

• Keep a good AECB credit score
• Avoid late payments
• Maintain stable employment
• Don’t apply for multiple loans at once
• Use a salary transfer account
• Keep bank transactions clean

Conclusion

Although there isn’t an official UAE personal loan option with no minimum salary, there are a number of workable options for employees without salary certificates or with lower incomes. Lenders now prioritize verified income, credit score, and repayment capacity over salary thresholds under the UAE’s revised 2025 personal loan regulations.

Even if you work in the labor sector or have a low salary, you can still look into:

• Microloans
• Loans for salary advances
• Without a salary certificate, personal finance
• Loan approvals based on WPS

These choices guarantee that UAE citizens can still get financial assistance when they need it, regardless of their income.